Nik Velkovski

Adviser spotlight: Nik Velkovski, a passionate New Zealand financial adviser

Nik is one of our longest-serving advisers, having been with the firm for nearly a decade.  Over the years, he has built a reputation as a trusted and hardworking adviser, guiding clients through the complexities of financial planning and empowering them to achieve their financial goals.

Making a Difference

One of the most rewarding aspects of Nik’s career has been witnessing the positive impact he has on his clients’ financial journeys. Over the past years, he has helped clients build impressive investment portfolios in a range of different assets.

“I love the satisfaction that comes from helping people build and maintain their wealth” Nik says.

Nik’s Background

Originally from Macedonia, Nik’s family moved to New Zealand when he was young. Adjusting to a new country was not easy, especially considering that Nik spoke very little English whilst his parents spoke none. Perhaps that early experience is what sparked his love for a challenge!  

Nik, a Top Adviser

In 2024, as a testament to Nik’s dedication, he was named one of New Zealand’s top 50 mortgage advisers – a ranking based on loan settlement volumes. This achievement is particularly remarkable given that Nik’s primary focus is wealth advising, with mortgage advising as a secondary area of expertise.

Question and Answer With Nik

Nik, how did you become a financial adviser?

“Straight after university, I was employed as a Personal & Business Banker at a major bank.

I soon realised I loved freedom, people, and finances.

So, becoming a financial adviser was a logical choice, as that would be the best place to help people achieve their dreams. When the opportunity arose, I took it.”

What appeals about your current role?

“I’m the Private Wealth & Lending Manager at Become Wealth.

Aside from partnering with our clients, my favourite thing about working here is our team's culture. We’re a fun, respectful group who genuinely look out for each other, work hard and hold each other accountable. We’re also big on ‘knowledge sharing’ and this has really helped each of us continually improve.”

If you could give your younger self one piece of financial advice, what would it be?

“Enjoy life, explore, travel and work hard, but start investing early. The compounding effect is amazing if you stay disciplined.”

“If you want to achieve your goals — whether in finance, fitness, or life — consistency is key.

It’s not just about the big wins; it’s about showing up every day and making progress, no matter how small. The wins will come naturally.”

What’s the most common financial myth or misconception you’d like to see busted?

“I am a coffee lover, so this one is probably the one I like: “Giving up a daily coffee purchase is a financial game-changer.”

If your financial success or failure comes down to a five-dollar coffee, I think we have a budgeting issue.

Let’s do the sums. $5 x 365 days, at a high annual return of 10%, compounded for 10 years, is just under $32,000. So, enjoy your coffee and look at the bigger picture.”

How do you unwind and relax after a full day of financial planning?

“Doing a workout or playing football allows me to be fully in the moment and think about nothing else.”

Nik is an active relaxer. Whenever you ask him about his evening or weekend, he’s always been busy with something active.

Fun fact: Nik even played football at a professional level.

Overcoming Challenges

Like any profession, financial advice comes with its challenges. Nik has faced his fair share of difficult situations – including guiding clients through the pandemic – but he’s always overcome and approached them with resilience and a positive outlook. His commitment to staying informed on the latest financial trends through subscriptions, industry connections, and continuous learning has been crucial in helping him navigate these challenges.

Building Long-Term Relationships

Nik’s approach to client relationships is all about the long term. He values genuine connections providing great service, regular follow-ups, and casual catchups over coffee. This commitment has helped him build strong, lasting relationships with his clients.

Nik Velkovski’s story is a powerful reminder of the impact a dedicated financial adviser can have on their clients’ lives. His journey, marked by passion, resilience, and a commitment to excellence, continues to inspire those around him.

A Vision for the Future

Looking ahead, Nik is committed to continuing his journey of helping clients achieve financial freedom. His dedication to providing sound financial advice, combined with his passion for seeing his clients succeed, will continue to fuel his fire.

Nik lives with his wonderful wife and their dog, Whiskie.

For more insights and updates from Nik Velkovski, you can connect with him on LinkedIn or follow him on Instagram.